| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| C AND H FINANCIAL, LLC | 200 GLENRIDGE POINT PARKWAY NE SUITE 400 ATLANTA, GA 30342 | SUN LIFE ASSURANCE COMPANY OF CANADA | $359K | — | $359K | 5.32% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 6180 CAROL STREAM, IL 60197 | SUN LIFE ASSURANCE COMPANY OF CANADA | $148K | — | $148K | 2.20% |
| BENEFIT ADVISORS SERVICE GROUP LLC3 Filed as: BENEFIT ADVISORS SERVICE GROUP, LLC | 1120 SANCTUARY PARKWAY SUITE 375 ALPHARETTA, GA 30009 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | — | $62K | 0.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 109 LAURENS ROAD, SUITE1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 0.60% |
| C AND H FINANCIAL, LLC3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | DELTA DENTAL INSURANCE COMPANY | $57K | — | $57K | 1.01% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | DELTA DENTAL INSURANCE COMPANY | $56K | — | $56K | 0.99% |
| C AND H FINANCIAL, LLC3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | RELIASTAR LIFE INSURANCE COMPANY | $241K | $18K | $259K | 10.59% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 1 STATE STREET PLAZA, 9TH FLOOR NEW YORK, NY 10004 | RELIASTAR LIFE INSURANCE COMPANY | $230K | — | $230K | 9.41% |
| C AND H FINANCIAL, LLC3 | 1350 DRESDEN DRIVE NE ATLANTA, GA 30319 | AETNA LIFE INSURANCE COMPANY | $53K | — | $53K | 4.11% |
| C AND H FINANCIAL, LLC3 | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | AETNA LIFE INSURANCE COMPANY | $48K | — | $48K | 3.67% |
| WILLIAM COLE3 | 647 VIA DE LA VALLE, SUITE 208 SOLONA BEACH, CA 92075 | FOUR EVER LIFE INSURANCE COMPANY | $20K | — | $20K | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 8,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 61 | $417K |
| Dental | DELTA DENTAL INSURANCE COMPANY | 16,351 | $5.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 10,676 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,184 | $8.0M |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,184 | $8.0M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 11,184 | $8.0M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN OF HAWAII | 61 | $417K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 20,815 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 20,815 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.